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I just received a summons from Chase for credit card debt. Of course it states the amount of money owed. I have answered numerous calls from them wanting to work out a payment plan but they want more than I can pay. What am I suppose to say in response to the summons? How much detail do I put about my situation? I have had an excellent credit rating until I lost my job 2 years ago. I went from $80K a year to about $14K.Would stating my current financial situation and how it came to be help. They are asking for a payment of the total which is over $11k. I can't even pay a 10th of that. The response to these summons are read by judges, correct?